Well, it's the type of business. Personal finance is super-hard to break into. It requires trust and budget. Trust requires users and word of mouth so its chicken and egg. you're not going to compete as a one man show with intuit on budgets or trust.

i get the vision - build something so good and usable, and they will come. The good thing about Quickbooks though is that it's trustworthy in the social proof sense. That trumps a lot of ease of use (though it is also easy to use)